Financial Operations and Registered Accounts Specialist

Job summary

Are you a detail-driven financial operations professional based in the Greater Toronto Area looking to advance your career within a leading Canadian financial institution? As a Financial Operations & Registered Accounts Specialist, you will play a key role in supporting the account lifecycle, registered plan governance, and client maintenance operations. Working within a dynamic team on a flexible hybrid schedule, you will be responsible for processing and auditing complex registered account transactions, ensuring strict adherence to internal risk standards, tax regulations, and industry gui…

Job details

Are you a detail-driven financial operations professional based in the Greater Toronto Area looking to advance your career within a leading Canadian financial institution? As a Financial Operations & Registered Accounts Specialist, you will play a key role in supporting the account lifecycle, registered plan governance, and client maintenance operations. Working within a dynamic team on a flexible hybrid schedule, you will be responsible for processing and auditing complex registered account transactions, ensuring strict adherence to internal risk standards, tax regulations, and industry guidelines. This role combines analytical problem-solving, regulatory oversight, and cross-functional communication to deliver an effortless experience for financial partners and clients. Financial Operations & Registered Accounts Specialist Location / Workplace Model: Flexible Hybrid Arrangement (Must be local to Mississauga, Toronto, or surrounding area) Contract Type: Full-time contract with extension or permanent conversion potential Schedule: Full-time, Monday to Friday (Standard Business Hours 8:30AM - 5:00PM) Pay Rate: $26.00 – $30.00 / hour (commensurate with experience) Work Authorization: Valid Canadian work authorization required Contact / Applications: katisha.gilbert@randstad.ca or brittany.thomas@randstad.ca Advantages Join as a direct employee of an established industry leader, positioning you for long-term growth. Enjoy the ideal balance of collaborative on-site teamwork in the Greater Toronto Area and remote work flexibility. Gain high-value, specialized operational experience in clearing, custodial services, and registered account governance. Access clear pathways for professional development, skills training, and internal advancement within a highly reputable organization. Thrives in a supportive, dynamic, and professional working environment built on teamwork and excellence. Pay Transparency & Compliance: Competitive, market-aligned compensation ($26.00 – $30.00/hr) structured in full compliance with provincial pay transparency standards. Responsibilities Process and audit registered account transactions (RRSP, TFSA, RESP, FHSA, LIRA, etc.) in compliance with the Income Tax Act, CIRO rules, and internal governance guidelines. Oversee RESP withdrawals, transfers, and Educational Assistance Payments (EAPs); coordinate and reconcile monthly government grant files while resolving regulatory discrepancies. Audit account activity to verify strict adherence to contribution limits, withdrawal parameters, and tax-deferred guidelines, maintaining complete audit trails for regulatory record-keeping. Reconcile daily Trustee settlements, correct cash and security discrepancies within the settlement cycle, and resolve operational variances (overages, ineligible withdrawals, grant variances) per established SLAs. Execute complex account lifecycle events, including RRSP-to-RRIF conversions, spousal attributions, and beneficiary updates. Advise internal teams and financial advisors on registered plan regulations (HBP, LLP, financial hardship, unlocking); collaborate cross-functionally with Tax, Compliance, and Estates teams to support regulatory updates and continuous process improvements. Qualifications Local residency in Mississauga, Toronto, or the surrounding GTA area to support the hybrid work schedule. Post-secondary education (or equivalent work experience) with 1 to 2 years of hands-on experience within the financial services or brokerage industry. Deep familiarity with non-registered accounts (Cash, Margin, Joint) and registered plans (RRSPs, TFSAs, RESPs, FHSAs, RRIFs, LIRAs). Strong proficiency in Microsoft Excel and confidence navigating financial databases and reconciliation systems. Meticulous eye for detail with strong time management, prioritization, and organizational skills under tight regulatory deadlines. Excellent written and verbal communication skills, with the ability to work independently and collaboratively across internal departments. Assets / Preferred Qualifications: Direct experience or background withn brokerage operations, clearing, custody, or registered account administration. Completion of or current enrollment in financial industry programs (e.g., Canadian Securities Course / CSC). Bilingualism in French and English (verbal and written). Summary The ideal candidate is an analytical, quality-driven professional residing in the GTA who thrives in a fast-paced financial operations environment. You bring a strong understanding of registered account administration, regulatory compliance, and operational reconciliation. Ready to elevate your career in financial operations? Apply today to connect with our recruitment team! Job Title: Financial Operations & Registered Accounts Specialist Contact / Applications: katisha.gilbert@randstad.ca or brittany.thomas@randstad.ca Randstad Canada is committed to fostering a workforce reflective of all peoples of Canada. As a result, we are committed to developing and implementing strategies to increase the equity, diversity and inclusion within the workplace by examining our internal policies, practices, and systems throughout the entire lifecycle of our workforce, including its recruitment, retention and advancement for all employees. In addition to our deep commitment to respecting human rights, we are dedicated to positive actions to affect change to ensure everyone has full participation in the workforce free from any barriers, systemic or otherwise, especially equity-seeking groups who are usually underrepresented in Canada's workforce, including those who identify as women or non-binary/gender non-conforming; Indigenous or Aboriginal Peoples; persons with disabilities (visible or invisible) and; members of visible minorities, racialized groups and the LGBTQ2+ community. Randstad Canada is committed to creating and maintaining an inclusive and accessible workplace for all its candidates and employees by supporting their accessibility and accommodation needs throughout the employment lifecycle. We ask that all job applications please identify any accommodation requirements by sending an email to accessibility@randstad.ca to ensure their ability to fully participate in the interview process. This posting is for existing and upcoming vacancies.

Listed skills

• Analytical · Preferred
• Recruitment · Preferred
• Teams · Preferred
• Client · Preferred
• Compliance · Preferred
• Microsoft Excel · Preferred
• Process · Preferred
• Communication · Preferred
• Time · Preferred
• maintenance · Preferred
• Audit · Preferred
• Flexible · Preferred

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